$207,307
Gross crediting illustration at age 80 (Retirement Foundation ADV)
Excludes the 1.25% annual RFA Income Benefit - Level Income charge (income option; applicability depends on contract terms); 1.25% annual RFA Income Benefit - Level Income charge (income option; applicability depends on contract terms); 1.25% annual RFA Income Benefit - Increasing Income charge (income option; applicability depends on contract terms); 1.25% annual RFA Income Benefit - Increasing Income charge (income option; applicability depends on contract terms); 1.25% annual RFA Income Benefit - Level Income charge (income option; applicability depends on contract terms); 1.25% annual RFA Income Benefit - Level Income charge (income option; applicability depends on contract terms); 1.25% annual RFA Income Benefit - Increasing Income charge (income option; applicability depends on contract terms); 1.25% annual RFA Income Benefit - Increasing Income charge (income option; applicability depends on contract terms). This is not a net contract value.
4.5%
Best S&P 500 1-yr point-to-point cap
Gross crediting illustration for each line; excludes the 1.25% annual RFA Income Benefit - Level Income charge (income option; applicability depends on contract terms); 1.25% annual RFA Income Benefit - Level Income charge (income option; applicability depends on contract terms); 1.25% annual RFA Income Benefit - Increasing Income charge (income option; applicability depends on contract terms); 1.25% annual RFA Income Benefit - Increasing Income charge (income option; applicability depends on contract terms); 1.25% annual RFA Income Benefit - Level Income charge (income option; applicability depends on contract terms); 1.25% annual RFA Income Benefit - Level Income charge (income option; applicability depends on contract terms); 1.25% annual RFA Income Benefit - Increasing Income charge (income option; applicability depends on contract terms); 1.25% annual RFA Income Benefit - Increasing Income charge (income option; applicability depends on contract terms).
S&P 500 Index — 4.5% Cap (Annual)
✦How crediting works: the cap limits positive index returns; a down index year has
0% index credit before rider charges. This illustration deducts no rider charge and is not a net contract value. A cap strategy tracks the index within its terms.
What is a cap vs participation? → Assumptions: illustrative — applies Retirement Foundation ADV's published cap rate (4.5% on S&P 500 Index) to a standard benchmark hypothetical index path (~5.4%/yr average, including down years) with a 0% floor over 20 years. Gross crediting only: this illustration excludes the 1.25% annual RFA Income Benefit - Level Income charge (income option; applicability depends on contract terms); 1.25% annual RFA Income Benefit - Level Income charge (income option; applicability depends on contract terms); 1.25% annual RFA Income Benefit - Increasing Income charge (income option; applicability depends on contract terms); 1.25% annual RFA Income Benefit - Increasing Income charge (income option; applicability depends on contract terms); 1.25% annual RFA Income Benefit - Level Income charge (income option; applicability depends on contract terms); 1.25% annual RFA Income Benefit - Level Income charge (income option; applicability depends on contract terms); 1.25% annual RFA Income Benefit - Increasing Income charge (income option; applicability depends on contract terms); 1.25% annual RFA Income Benefit - Increasing Income charge (income option; applicability depends on contract terms) reported in the source. Applicable rider charges depend on contract terms; their deduction bases are not modeled. Each listed charge is not deducted, and no net contract value is shown. Not a projection, quote, or guarantee. Live CANNEX rates as of October 2, 2026.